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Bharti AXA (now ICICI Lombard) Health Insurance FAQs

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Claim Settlement

  • Does Bharti AXA provide cashless claim settlement facility to its policyholders?

    Yes, Bharti AXA provides cashless claim settlement facility to its policyholders.

Critical Illness

  • Is critical illness cover important for young people?

    Yes, it is important for young people. This is because, critical illnesses can occur to anyone irrespective of their age.

  • Does Bharti AXA provide cover for critical illness in any of its plans?

    Yes, Bharti AXA provides cover for critical illness in its health insurance plans.

  • How many critical illnesses are covered by Bharti AXA in its health insurance plans?

    Bharti AXA covers up to 20 critical illnesses in its health insurance plans.

  • Does critical illness policy by Bharti AXA cover my family members also?

    Yes, the policy can be purchased on the family floater basis. You can cover yourself, your spouse and up to two independent children under a single policy.

  • I am still young. Why should I buy critical illness policy by Bharti AXA?

    Critical illnesses can occur even to young people. So, to be on a safer side, it is always recommended to purchase a good health insurance plan with critical illness cover even if you are young.

Family

  • Are family members covered under the Bharti AXA critical illness policy?

    Yes, but the policy should be issued on a Floater Basis. Family members of the insured, comprising spouse and two dependent children (age group of 5 to 55 years, are covered).

  • Is health check-up gifted to policyholders holding a family floater plan?

    Yes, a comprehensive health check-up is offered annually to the policyholders.

  • Does the vaccination for animal bite covered under the plan? If yes, up to which limit?

    Yes, the cost incurred on the vaccination for an animal bite is insured up to Rs. 5,000.

  • What is the coverage limit for organ donation under the floater plan?

    The floater plan gives the cover to organ donor for the organ transplantation process up to the amount of sum insured.

  • Is there any capping applicable to the coverage of room rent?

    No capping is applicable on the coverage of room rent and cover is offered up to the limit of sum insured amount.

  • What is the waiting period to avail the benefit of maternity?

    A 9 month waiting period is applicable under the plan since the introduction of the first policy with the firm.

  • Who should buy the Bharti AXA family health insurance plan?

    Bharti AXA family health insurance plan is recommended for someone who wants to protect their entire family against healthcare expenses arising due to any sickness, illness, or disease.

  • Can I change the sum insured during Bharti AXA family health insurance tenure?

    Yes. You can change the sum insured of your Bharti AXA health insurance policy at the time of policy renewal. Note that you won't be able to change the sum insured if the policy is not renewed on time.

  • What is the advantage of Bharti AXA family health insurance?

    Bharti AXA family health insurance policy offers several advantages to the insured. Some of these include a wide range of sum insured options, tax benefits under Section 80D of the Income Tax Act, 1961, recuperation benefit if diagnosed with critical illness, direct claim settlement at network hospitals, etc.

  • What does the Bharti AXA family health insurance plan cover?

    Bharti AXA family health insurance plan offers several coverage benefits such as for daycare procedures, in-patient hospitalisation expenses, organ donation expenses, domiciliary expenses, hospital cash benefit, ambulance expenses, dread disease recuperation, etc.

  • Does Bharti AXA family health insurance policy offer tax deductions?

    Yes. On the premium paid for Bharti AXA health insurance policy, you can avail tax benefits under Section 80D of the Income Tax Act, 1961. You can avail tax benefits if you pay the premium in any mode other than cash.

Feature

  • Is there any payment of compensation under the plans of Bharti AXA?

    Yes, there is a payment of compensation under each plan. Bharti AXA compensates you 100% of the sum insured if you survive for 30 days after the waiting period of 60 days.

General Information

  • Are pre-medical tests required to buy a health insurance policy?

    No, pre-medical check-up is not required to buy any policy until you are up to 45 years old.

  • What are the factors that influence the insurance premium?

    There are many factors. Some of them are pre-existing medical conditions, body mass index (BMI), family medical history, Injurious substances, age, choice of profession and work environment, first insurance policy, etc.

  • Does this insurance company issue a policy for more than one year?

    Bharti AXA offers insurance policies for a duration of 1 year. You can get them renewed subsequently.

  • What is the contact number to get in touch with the support staff of Bharti AXA related to any query or grievance?

    The customer care number of Bharti AXA is 1800-102-4444.

Help to Buy

  • Who can buy Bharti AXA’s policy?

    Any Indian between the group of 5 years and 55 years can buy the health insurance policy of Bharti AXA.

  • How can I buy Bharti AXA health insurance plans?

    You can buy and apply for any Bharti AXA Health Insurance Policy online from the official website of Bharti AXA Health Insurance at www.bharti-axagi.co.in or you can call at 022-6118-8888. Also, you can purchase through online broker’s website like www.insurancedekho.com.

Individual

  • What is the limit of Sum Insured amount I can opt for?

    Under the Bharti AXA individual plan, the minimum amount of sum insured is Rs. 3 lakh, while the maximum amount is Rs. 5 lakh.

  • Does the policy give any coverage for critical illness?

    The individual plan owns an inbuilt critical illness cover for all its customers.

  • What is the limit of coverage for daycare treatments?

    Under the Bharti AXA, individual plan daycare treatments are covered up to the amount of Sum Insured.

  • How much waiting period is available to get pre-existing illnesses covered?

    Pre-existing diseases are covered post 48 months in the individual plan.

  • Who should buy a Bharti AXA individual health insurance plan?

    Individual health insurance policy offered by Bharti AXA is an ideal choice for an individual who is not yet covered under a health insurance policy, or is not satisfied with the coverage benefits offered by his/her employer.

  • Can I change the sum insured during Bharti AXA individual health insurance tenure?

    Yes. You can change the sum insured of your Bharti AXA individual health insurance policy if you are not satisfied with the existing one. You can do the same at the time of policy renewal.

  • What is the advantage of Bharti AXA individual health insurance?

    Bharti AXA individual health insurance offers several advantages to the insured. Some of these include lifetime renewability benefit, No Claim Bonus, add-on of critical illness, cost of pre-policy health checkup borne by the company on policy acceptance, recuperation benefit in case of critical illness, portability benefit, grace period, and free look period.

  • What does Bharti AXA individual health insurance plan cover me for?

    Bharti AXA individual health insurance policy covers you for in-patient hospitalisation expenses, daycare expenses, domiciliary hospitalisation expenses, road ambulance expenses, home nursing expenses, hospital cash allowance, dread disease recuperation, etc.

  • Does Bharti AXA individual health insurance policy offer tax deductions?

    Yes. Bharti AXA individual health insurance policy offers tax benefits under Section 80D of the Income Tax Act, 1961, on the premium paid for it. You can avail the benefit on paying premium in any mode other than cash.

Kids

  • Who should buy Bharti AXA kids health insurance plan?

    Bharti AXA kids health insurance should be purchased by parents who are looking for comprehensive health insurance coverage for their kids to be prepared with preventive measures in case a health emergency strikes in future. It is an affordable plan that offers several coverage benefits to the insured.

  • Can I change the sum insured during Bharti AXA kids health insurance tenure?

    Yes. If not satisfied with your existing sum insured under the Bharti AXA health insurance policy for kids, you can get it changed at the time of renewal. Note that you will not be able to change the sum insured if the policy is not renewed on time or during the grace period.

  • What is the advantage of Bharti AXA kids health insurance?

    Bharti AXA kids health insurance offers the following advantages to the insured-lifetime renewability benefit, No capping on room rent, restoration of sum insured option available up to 100%, No Claim Bonus for every year a claim is not made, up to a specific period of time, no capping on room rent, variety of sum insured options, etc.

  • What does Bharti AXA kids health insurance plan cover?

    Bharti AXA kids health insurance plan covers the insured for expenses related to annual health check-up, domestic air ambulance, domiciliary hospitalisation expenses, AYUSH treatment expenses, emergency surface expenses, lump sum amount for critical illness expenses, etc.

  • Does Bharti AXA kids health insurance policy offer tax deductions?

    Yes. If you pay the premium for Bharti AXA kids health insurance in any mode other than cash, you can avail tax benefits under Section 80D of the Income Tax Act, 1961.

Maternity

  • What is the sum insured limit of the plan covering maternity expenses?

    The maternity coverage plan offers a wide overage from Rs. 5 Lakh to Rs. 1 Crore.

  • Does maternity cover policy offer some amount of tax benefits too?

    Yes, the plan encourages the tax savings as per the section 80D of the Income Tax Act.

  • How much sum is restored as per Bharti AXA maternity cover plan?

    Restoration of Sum Insured up to 100% is allowed under Bharti AXA maternity cover plan.

  • Who should buy the Bharti AXA maternity health insurance plan?

    Bharti AXA maternity health insurance policy is most suitable for anyone who wants complete coverage for delivery or pregnancy related expenses. The policy provides cover for up to a specific limit during the policy term.

  • Can I change the sum insured during Bharti AXA maternity health insurance tenure?

    Yes. You can change the sum insured of your Bharti AXA maternity insurance plan at the time of policy renewal, if you are not satisfied with the existing sum insured. The policy allows you to enhance the sum insured up to the maximum limit available under the policy.

  • What is the advantage of Bharti AXA maternity health insurance?

    Bharti AXA maternity health insurance comes with several advantages, some of which include a variety of sum insured options, No Claim Bonus on every renewal, recuperation benefit if diagnosed with critical illness, direct claim settlement at the network hospital, cost of health check-up for every block of 4 claim-free years, expenses related to pre-policy health checkup borne by the company on policy acceptance, and tax benefits under Section 80D of the Income Tax Act, 1961.

  • What does Bharti AXA maternity health insurance plan cover?

    Bharti AXA maternity health insurance plan covers you for major healthcare expenses including daycare expenses, in-patient hospitalisation expenses, organ donor expenses, domiciliary hospitalisation expenses, hospital cash allowance, ambulance expenses, home nursing expenses, and dread disease recuperation.

  • Does Bharti AXA maternity health insurance policy offer tax deductions?

    Yes. On the premium paid for maternity health insurance policy offered by Bharti AXA, you can avail tax benefits under Section 80D of the Income Tax Act, 1961. You can avail tax benefits only if the premium is paid in any mode other than cash.

Parents

  • Who should buy Bharti AXA parents health insurance plan?

    Bharti AXA parents health insurance plan should be purchased by any parent or senior citizen who is looking for affordable health insurance coverage for major healthcare expenses.

  • Can I change the sum insured during Bharti AXA parents health insurance tenure?

    Yes. You can change the sum insured of your Bharti AXA parents health insurance policy if you are not satisfied with it, under Section 80D of the Income Tax Act, 1961.

  • What is the advantage of Bharti AXA parents health insurance?

    Bharti AXA parents health insurance policy offers you several advantages such as sum insured for Rs. 1 crore, pre-hospitalisation and post-hospitalisation expenses, zero capping for room rent, No Claim Bonus, and tax benefits under Section 80D of the Income Tax Act, 1961.

  • What does Bharti AXA parents' health insurance plan cover?

    Bharti AXA parents’ health insurance plan covers you for several expenses such as annual health check-up coverage, domestic air ambulance expenses, organ donor expenses, daycare expenses, emergency ambulance expenses, treatments taken under AYUSH systems of medicines, and cover for specific critical illnesses.

  • Does Bharti AXA parent's health insurance policy offer tax deductions?

    Yes. You can avail tax benefits on the premium paid for Bharti AXA parent’s health insurance plan. Kindly note that you can only avail benefits if the premium is paid in any mode other than cash.

Plan Coverage

  • Does Bharti AXA cover parents under its Health insurance policy?

    The policy issued by Bharti AXA covers self, spouse and two children (dependent) under the age of 21 years.

Portability

  • Will I get the benefits of my existing policy if I transfer it to Bharti AXA Health Insurance?

    Yes, you will get the benefits of my existing policy if I transfer it to Bharti AXA Health Insurance.

  • Does Bharti AXA provide portability feature in its health insurance policies?

    Yes. Bharti AXA provides portability feature in its health insurance policies.

  • When can I port my health insurance policy from one insurer to another?

    You can port your health insurance policy from one to another at the time of policy renewal.

  • Does health insurance portability in Bharti AXA involve any extra charges?

    No, portability in Bharti AXA does not involve any extra cost.

Premium

  • Can I pay the health insurance premium online in Bharti AXA?

    Yes, you can pay the health insurance premiums online in Bharti AXA Health Insurance.

  • How is the premium calculated in Bharti AXA health insurance policies?

    The premium is determined on the basis of the following factors:

    • Sum insured
    • Family members to be covered
    • Age of the senior most member of the family
    • Type of policy opted for. It can be Basic, Premium, or Optimum.

  • Can I decide the amount of insurance I require or the company decides it?

    Bharti AXA provides you a variety of sum insured options to choose from that you can on your own. You can decide this amount considering the number of members you need cover for, expected cost of treatment and the premium amount you are willing to pay.

  • Can I make the payment via Credit Card in Bharti AXA?

    Yes, you can pay the premium for Bharti AXA health insurance policies via Credit Card.

Senior Citizen

  • Who should buy Bharti AXA senior citizen health insurance plan?

    Senior citizens who require adequate health insurance coverage for the later years in their lives, at affordable premium, should be covered under Bharti AXA senior citizen health insurance plan.

  • Can I change the sum insured during Bharti AXA senior citizen health insurance tenure?

    Yes. You can change the sum insured of your Bharti AXA senior citizen health insurance plan at the time of policy renewal if the insurer has the option to do so. Kindly note that if you enhance the sum insured of the plan, then you will be required to pay a higher premium.

  • What is the advantage of Bharti AXA senior citizen health insurance?

    Bharti AXA senior citizen health insurance comes with several advantages that the policyholders can enjoy. Some of these include a variety of sum insured options between Rs. 5 Lakh and Rs. 1 crore, No Claim Bonus in case of claim-free year, no cappin for room rent in hospital, 100% restoration if the sum insured gets exhausted, etc.

  • What does the Bharti AXA senior citizen health insurance plan cover?

    Bharti AXA senior citizen health insurance plan covers senior citizens for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, treatments taken under AYUSH systems of medicines, emergency ambulance expenses, organ donor expenses, daycare treatments, lump sum amount in case a critical illness is diagnosed, etc.

  • Does Bharti AXA senior citizen health insurance policy offer tax deductions?

    Yes. Bharti AXA health insurance plan offers tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961. Kindly note that the premium can be availed if it is paid in any mode other than cash.

Woman

  • Who should buy the Bharti AXA woman health insurance plan?

    Bharti AXA women health insurance plan is an ideal choice for any woman who wants extensive health insurance coverage for women-specific health issues, which their regular health insurance plans may not be covering for.

  • Can I change the sum insured during Bharti AXA woman health insurance tenure?

    Yes. The insurance company allows you to change the sum insured of your woman health insurance policy at the time of renewal if you are not satisfied with the existing plan. Note that the premium may also change with change of sum insured.

  • What is the advantage of Bharti AXA woman health insurance?

    If covered under Bharti AXA woman health insurance, you can avail several advantages such as restoration of sum insured option for up to 100%, no capping on room rent, No Claim Bonus on every claim-free year, lifetime renewability benefit, portability benefit, free look period of 15 days.

  • What does Bharti AXA woman health insurance plan cover?

    Bharti AXA woman health insurance plan protects you from several healthcare expenses such as pre-hospitalisation and post-hospitalisation expenses, coverage taken as out-patient emergency treatment, domiciliary hospitalisation expenses, emergency ambulance expenses, daycare treatment, treatments taken under AYUSH systems of medicines, etc.

  • Does Bharti AXA woman health insurance policy offer tax deductions?

    Yes. The premium paid for Bharti AXA woman health insurance policy is eligible for tax deductions under Section 80D of the Income Tax Act, 1961. Kindly note that you will only be able to avail tax benefits if the premium is paid in any mode other than cash.

Bharti AXA (now ICICI Lombard) Health Insurance Top Up List

    Name of PlanSum Insured
    Smart Super Top-up Insurance PolicyMin: 18 years; Max: 70 years5 Lakh Check Premium

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      I would like to thank InsuranceDekho for helping me in renewing my Bharti AXA Health Insurance Policy before the due date. The InsuranceDekho company is highly organised and structured. Moreover, the customer service team is very friendly and approachable. It’s been 2 years since I bought a Bharti AXA health insurance plan and I have never been disappointed by the InsuranceDekho company. Loved it!

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      My heartful thanks to InsuranceDekho for helping me in buying a health insurance plan quickly. I bought Royal Sundaram- Lifeline from the company’s website. Each and every step during my purchase of the plan was quick and easy. The customer support team guided me throughout the process and elaborated all the features and benefits of the plan in detail. Recommended to all!

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